Personality Characteristics and Successful Use of Credit by Farm Families

Kenneth R. Krause and Paul L. Williams

American Journal of Agricultural Economics, 1971, vol. 53, issue 4, 619-624

Abstract: Farm financial management and the use of credit are becoming more important; resource suppliers, including lenders, are seeking ways to better identify and appraise farm operators' and entrepreneurs' potential to successfully use farming resources and credit. A behavioral model that included motivation, ability, and biographic variables was tested on a group of South Dakota farm borrowers and their wives. The selected behavioral-personality variables are described and were related to change in financial position. The strongest results were obtained by including personality measures of both husbands and wives and suggest that personality variables can be developed for use in evaluation of farm credit applications.

Date: 1971
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